Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$64,155Cash toward the purchase price.
Closing costs + prepaids$10,702Not just lender fees.
Before credits & paid funds$74,857The complete starting cash picture.
Estimated remaining funds due at closing
$74,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,155.43
Your down payment$64,155.43
Closing costs + prepaids$10,701.90
Total buyer cash needed$74,857.33
Remaining funds due$74,857.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,990.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$267.00
Prepaid interest, first (30 days)$1,219.90
Fees + prepaids$10,701.90
Your down payment is the seller’s equity. You take over the $234,845 balance, so the rest of the $299,000 price is paid at closing. A second mortgage can cover part of it. $74,857.33 is due at closing. Uses and sources reconcile at $309,701.90 each. Not a Closing Disclosure.